Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.01% | +0.12 | 0.89% |
| Return on Equity (%) | ▲ | 10.99% | +0.31 | 10.68% |
| Net Interest Margin (%) | ▲ | 3.38% | +0.07 | 3.31% |
| Efficiency Ratio (%) | ▲ | 70.71% | -2.12 | 72.83% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.34% | -0.03 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $325 | +18.33 | $306 |
| Gross Loans ($M) | ▲ | $134 | +10.19 | $124 |
| Loan Growth YoY (%) | ▲ | 49.58% | +0.37 | 49.21% |
| Total Deposits ($M) | ▲ | $265 | +18.68 | $246 |
| Shareholders Equity ($M) | ▲ | $30 | +4.27 | $25 |
| Tang. Book Value ($M) | ▲ | $29 | +4.34 | $25 |
| TBV excl. AOCI ($M)** | ▲ | $38 | +4.31 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 49.58% | +0.37 | 49.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.02% | +0.02 | 0.00% |
| Allowance / Loans (%) | — | 1.82% | -0.14% | 1.96% |
| Net Charge-Off Ratio (%) | ▼ | 0.04% | +0.04 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁█▇▆▇▇█ | Net Interest Margin (%) | 3.05% | 3.08% | 3.39% | 3.31% | 3.30% | 3.32% | 3.35% | 3.38% |
| ▁▃▇▃▁▂██ | Return on Assets (%) | 0.81% | 0.87% | 0.97% | 0.89% | 0.83% | 0.85% | 1.02% | 1.01% |
| █▅▅▆██▃▁ | Efficiency Ratio (%) | 73.8% | 72.6% | 72.5% | 72.8% | 73.6% | 73.5% | 71.7% | 70.7% |
| █▆▂▂▆▂▁▁ | Cost of Funds (%) | 1.63% | 1.55% | 1.35% | 1.37% | 1.51% | 1.38% | 1.30% | 1.34% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% |
| ▁▁▂▂▆███ | Tang. Book Value ($M) | $24 | $24 | $25 | $25 | $28 | $29 | $29 | $29 |
| ▃▃▁▄▄███ | Gross Loans ($M) | $121 | $122 | $116 | $124 | $125 | $133 | $132 | $134 |
| ▂██▁▆▅▆█ | Total Deposits ($M) | $250 | $266 | $267 | $246 | $259 | $259 | $261 | $265 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 7% |
| Agricultural | 20% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 12% |